To Reduce the Risk Exposure in International Lending, What Actions

To reduce the risk exposure in international lending, what actions banks can take?

A) Use the guarantees by governments, their central banks, and other agencies
B) Pooling risk by participating syndicate loans among banks to spread risk.
C) Diversification of foreign loan portfolio in different geographical regions and industry
D) Selling nonperforming loans in the secondary market with a discount.
E) All above.